Was Your Property Damaged by Someone Else? We'll Help You File a Liability Claim and Recover What You're Owed

If your home or property was damaged because of something a neighbor, contractor, or nearby business did or failed to do you may be able to file a liability claim against their insurance.

Speak with a licensed claim professional. We’ll handle the paperwork, evidence, and negotiation while you focus on getting your property restored.

What Is a Property Liability Claim?

A liability claim for property damage is when someone else’s actions or negligence cause damage to your home, building, or belongings and their insurance policy should cover your loss.

Examples include:

A tree from your neighbor's yard falls on your roof or fence

A fire spreads from another unit or building and damages your property

A business's irrigation or drainage system floods your lawn or foundation

A contractor on another property causes physical damage to your home

A neighboring apartment's burst pipe leaks into your condo

You shouldn’t have to pay out of pocket for someone else’s mistake. We make sure their insurance does what it’s supposed to.

How We Help You Recover for Property Damage

Liability claims can be slow, frustrating, and complex especially when the other party doesn't want to accept blame.

Riggins Claims Consulting steps in to:

Investigate the cause and determine who is responsible

Identify the correct insurance carrier and coverage

Collect evidence (photos, videos, estimates, repair quotes)

Prepare and file the liability claim on your behalf

Negotiate for full payment of repair or replacement costs

Follow up until you're fully compensated

We represent you, not the insurance company—and we don’t stop until your property is made whole.

What You May Be Entitled To

We help you recover compensation for:

Roof, siding, or structural damage

Fencing, landscaping, or exterior repairs

Interior damage caused by water or fire

Foundation or grading issues from third-party runoff

Replacement of damaged personal property (if applicable)

Temporary repairs and board-up services

Demolition, cleanup, and disposal costs

Code upgrades, permits, and reinspection fees

Frequently Asked Questions

Do I need permission from the person who caused the damage to file a claim?

No. If they have a valid homeowners or commercial policy, we can submit a third-party claim directly to their insurer—even if they don’t want to cooperate.

Their insurance said it’s not their fault. Now what?

That’s common. We review the facts, gather evidence, and challenge unfair denials. If needed, we can also work with attorneys or experts to back up your claim.

What if I’ve already started repairs?

We can still help. Just make sure to document everything photos, receipts, contractor invoices and we’ll build the claim around what you’ve spent.

Ready to Recover What You're Owed?

Someone else's negligence damaged your property. Let's make sure their insurance pays for it not you.

Call 713.806.2828 Now

Get help with your property liability claim today